Purchase and Travel Insurance

Car Rental Insurance

If your rental vehicle is damaged or stolen while rented out in your name, you are covered up to the vehicle’s actual cash value plus valid loss of use charges (charges paid to the rental agency to compensate for the rental vehicle being made unavailable for rental while undergoing repairs).

You are eligible for this type of coverage provided that:

• The full cost of the rental is charged to your TD First Class Travel Visa Infinite Credit Card
• You declined the rental agency’s Collision Damage Waiver (CDW) option on the rental contract
• The length of the rental period doesn’t exceed 48 consecutive days

---

What Types of Rental Vehicles Are Covered?

Types of Vehicles Covered

Types of Vehicles Not Covered

Cars Sports Utility Vehicles Mini-Vans (made to transport a maximum of 8 people including the driver, and used exclusively for the transportation of passengers and their luggage)

Vans, cargo vans or mini cargo vans Trucks, pick-up trucks or any vehicle that can be spontaneously reconfigured into a pick-up truck Limousines Off-road vehicles (any vehicle used on roads that aren’t publicly maintained) Motorcycles, mopeds or motor bikes Trailers, campers, RVs or vehicles not licensed for road use Vehicles towing or propelling trailers or any other object Mini-buses or buses Any vehicle with a Manufacturer’s Suggested Retail Price over $65,000 (excluding all taxes) at the time of place and loss Exotic vehicles Any vehicle which is either wholly or in part handmade, hand-finished or has a limited production of under 2,500 vehicles per year Antique vehicles (over 20 years old or have not been manufactured for 10 years or more) Tax-free cars

---

Limitations & Exclusions

This coverage does not include loss arising in any way from:

• A replacement vehicle for which your personal auto insurance is covering all or part of the rental cost
• Third party liability (injury to anyone or anything inside or outside the vehicle)
• Personal injury or damage to property, except the rental vehicle itself or its equipment
• Operation of the rental vehicle while intoxicated or under the influence of any narcotic
• Any dishonest, fraudulent or criminal act committed by any insured person
• Wear and tear, gradual deterioration, mechanical or electrical breakdown/failure
• Inherent vice or damage, insects or vermin
• Operation of the rental vehicle in violation of the terms of the rental agreement
• Seizure or destruction under quarantine or customs regulations, or confiscation by order of any government or public authority
• Transportation or contraband or illegal trade
• War, hostile or warlike action, insurrection, rebellion, revolution, civil war, usurped power, or action taken by government or public authority in hindering, combatting or defending against such action
• Transportation of property or passengers for hire
• Nuclear reaction, nuclear radiation, or radioactive contamination
• Intentional damage to the rental vehicle by an insured person

---

Helpful Hints

• Before you rent a vehicle, confirm that the rental agency allows you to decline the collision damage waiver without having to make a deposit
• Check the rental vehicle for scratches, dents or any other damages before you take possession of the car and make sure you notify the rental agency’s rep. of your findings

---

How to Make a Claim

Call 1-800-880-6497 within 48 hours of an accident/theft and obtain a claim form.

All documentation should be completed and sent back to the claims administrator and should include the following:

• The claim form, completed and signed
• A sales draft showing that the rental was paid in full using your TD Credit Card
• The original copy of the rental agreement
• Accident or damage report (if available)
• Itemized repair bill, or if not available, a copy of the estimate
• Receipt for the paid repairs
• Police report, when available
• Copy of your billing or pre-billing statement if any repairs were charged to your account

Purchase Security

This insurance plan automatically protects most new items purchased anywhere in the world for 90 days from the date of purchase. If the item is lost, stolen or damaged, it will be replaced or repaired, or you will be reimbursed for the purchase price. Only items that were paid for in full with your TD First Class Travel Visa Infinite Credit Card are covered by this plan.

Note: There is a maximum aggregate lifetime benefit per account holder of $60,000 for all of his or her TD Credit Cards.

---

Limitations & Exclusions

Coverage does not extend to loss of or damage to the following:

• Cash or its equivalent, traveller’s cheques, tickets and any negotiable instruments
• Art objects, bullion, rare or precious coins
• Perishables, animals or living plants
• Jewellery and watches in baggage, unless carried by hand and under personal supervision of account holder
• Automobiles, motorboats, aircrafts, motorcycles, motor scooter and other motorized vehicles, parts and accessories thereof
• Ancillary costs incurred in respect of an insured item and not forming part of the purchase price
• Parts and/or labour required as a result of mechanical breakdown
• Used and pre-owned items including antiques and demos
• Any item purchased by and/or used for a business or commercial purpose
• Items consumed in use
• Services

Items lost or damaged as a result of any of the following are excluded from coverage:

• Abuse or fraud
• Flood or earthquake
• War, invasion, hostilities, rebellion, insurrection, terrorism, confiscation by authorities, contraband or illegal activity
• Normal wear and tear
• Mysterious disappearance
• Radioactive contamination
• Inherent product defects
• Normal course of play
• Willful acts or omissions
• Indirect, incidental or consequential damages, including bodily injury, property damage, economic loss, punitive or exemplary damages and legal costs

---

How to Make a Claim

Call 1-800-667-8031 within 45 days from the date of the loss or damage. You will be asked to provide your name, address, telephone number, account number (used to purchase the lost or damaged item), a description of the item, and the date, place, amount and cause of the loss or damage.

You will also be mailed a loss report that you will be asked to complete and return within 90 days from the date of the loss or damage.

This report should include:

• A copy of the account charge receipt and/or account statement
• A copy of the store receipt
• The serial number of the insured item (where applicable)

Note: If the claim is for a gift, it can be made either by the account holder or the recipient of the gift.

Extended Warranty

This insurance plan either doubles the length of the item’s manufacturer’s warranty coverage or extends it by 1 year—whichever is lesser. Only items that were paid for in full with your TD First Class Travel Visa Infinite Credit Card are covered by this plan.

Note: The above only applies to items with warranties that are 5 years or less. Items with warranties greater than 5 years must be registered with a TD insurance administrator within 1 year from the date of purchase in order for coverage to apply.

---

Limitations & Exclusions

• Any and all exclusions set out in the manufacturer’s warranty
• Wear and tear, gradual reduction in operating performance, negligence, misuse and abuse
• Automobiles, motorboats, aircrafts, motorcycles, motor scooters and other motorized vehicles, parts and accessories thereof
• Willful acts or omissions and improper installation or alteration
• Ancillary costs
• Used or pre-owned items including demos
• Any item purchased by and/or used for a business or commercial purpose
• Consequential damages, including bodily injury, property damages, economic loss, punitive or exemplary damages and legal costs
• Inherent product defects

---

How to Make a Claim

Call 1-800-667-8031 within 45 days from the date of the loss or damage. You will be asked to provide your name, address, telephone number, account number (used to purchase the lost or damaged item), a description of the item, and the date, place, amount and cause of the loss or damage.

Note: You must report the claim before proceeding with any repair or replacement. A TD insurance administrator will instruct you on how to proceed.

Note: If the claim is for a gift, it can be made either by the account holder or the recipient of the gift.

Trip Cancellation

If you have to cancel your trip before it has even started, your eligible expenses can be reimbursed up to $1,500 per person and $5,000 for the entire trip.

The primary cardholder, his or her spouse and dependent children, as well as anyone else authorized by the primary cardholder to use the credit card, are all eligible to receive benefits under this insurance. A dependent child must be travelling either with you or your spouse in order to be eligible.

The coverage period starts on the date that your trip is booked with a travel agent/supplier and runs until your scheduled departure date.

Note: The full cost of the trip must be paid for using your TD First Class Travel Visa Infinite Credit Card and/or your TD Points in order to be eligible for the benefits.

---

Eligible Expenses

You will be reimbursed for any unused travel arrangements which were paid in advance, non-refundable, and forfeited as a result of a covered cause for cancellation. You will also be reimbursed for any cancellation fees that you incur when you cancel.

Alternatively, if you miss your scheduled departure as a result of a covered cause for cancellation, you can instead choose to have your transportation costs covered to get you to where you need to be. This requires pre-approval by TD.

---

Covered Causes for Cancellation

Medical:

• Death of an insured person
• Sudden and unexpected sickness or accidental injury of an insured person (must not have resulted from a pre-existing condition and requires a written doctor’s note advising you to cancel the trip)
• Death of an immediate family member of an insured person
• Sudden and unexpected sickness or accidental injury of an immediate family member of an insured person
• Sudden and unexpected death or hospitalization of an insured person’s host at the travel destination

Non-Medical:

• Call to jury duty or, sudden and unexpected subpoena of an insured person to act as a witness in a court of law requiring his or her presence in court during the scheduled trip
• Notice issued by Canada’s Dept. of Foreign Affairs and International Trade advising Canadians not to travel to a particular region for a period that coincides with the place and time for which your trip has been booked
• Employment transfer of the insured person which requires the relocation of his or her principal residence within 30 days before the scheduled departure date
• Delay causing an insured person to miss a connection for a common carrier or resulting in the interruption of his or her travel arrangements and is limited to the following:
  • Mechanical failure of the carrier
  • Traffic accident or emergency police-directed road closure
  • Weather conditions
  • Natural disaster that renders home uninhabitable
  • Insured person is quarantined in a situation where no medical cause for cancellation applies
  • Insured person is hijacked
  • Enforceable call to service of an insured person who is a military, police or fire reservist

---

Limitations & Exclusions

• Pre-existing and reasonably foreseeable medical conditions
• Cancellations penalties arising after the covered cause for cancellation
• Cancellation of a trip for any reason other than those listed above
• Frequent flyer plan points (No benefit is payable in connection with TD Points since they have no monetary value)

In addition, no benefits will be payable for trip cancellation in connection with or resulting from pregnancy, alcohol/drug abuse, intentionally inflicted injuries, crime, war/terrorism, mental problems, or the participation in professional sports, organized racing, speed contests, or any other hazardous activities.

---

How to Make a Claim

Cancel your trip and then call 1-866-374-1129 (Canada or US) immediately to obtain a claim form. The amount payable under this plan is limited to the cancellation penalties in effect on the date that the cause for cancellation occurs, so make sure to call within 1 day.

You will be required to submit a completed claim form along with:

• Your original invoice, tickets, vouchers and itinerary
• An account statement confirming that the eligible expenses were charged in full to your card or using your TD Points
• Proof that cancellation resulted from a covered cause for cancellation
• Signed “Release of Medical Information” authorization allowing TD Life to obtain further information in the case of a medical cause for cancellation
• Evidence of your actual or planned departure date

Note: All relevant claims forms along with written proof of loss must be submitted no later than 1 year from the date on which the loss occurred.

Trip Interruption & Delay

If, after you’ve already departed, your trip is unexpectedly cut short or delayed, your eligible expenses can be reimbursed up to $5,000 per person and $25,000 for the entire trip.

The primary cardholder, his or her spouse and dependent children, as well as anyone else authorized by the primary cardholder to use the credit card, are all eligible to receive benefits under this insurance. A dependent child must be travelling either with you or your spouse in order to be eligible.

The coverage period starts on the date that you depart for your trip and runs until your scheduled return date.

Note: The full cost of the trip must be paid for using your TD First Class Travel Visa Infinite Credit Card and/or your TD Points in order to be eligible for the benefits.

---

Eligible Expenses

You will be reimbursed for any unused land arrangements which were part of your trip, paid in advance and non-refundable.

Additionally, if your trip is unexpectedly cut short as a result of one of the covered causes for interruption, you will be reimbursed for the lesser of:

• The cost of a one-way economy airfare back to the point of departure (requires pre-approval by TD Insurance administrator)
• The fee charged by the airline to change your return date

If you are delayed in reaching the next part of your trip as a result of one of the covered causes for interruption, your transportation costs to resume your trip will be covered (also requires pre-approval).

---

Covered Causes for Interruption

Medical:

• Death of an insured person
• Accidental injury or sickness of an insured person (must not have resulted from a pre-existing condition and must require immediate medical attention preventing you from continuing on the trip)
• Death of an immediate family member of an insured person
• Sudden and unexpected sickness or accidental injury of an immediate family member which requires an overnight stay in a hospital

Non-Medical:

• Notice issued by Canada’s Dept. of Foreign Affairs and International Trade during the trip advising Canadians not to travel to a particular region for a period that coincides with the place and time of the trip you’re on
• Delay causing an insured person to miss a connection for a common carrier or resulting in the interruption of his or her travel arrangements and is limited to the following:
  • Mechanical failure of the carrier
  • Traffic accident or emergency police-directed road closure
  • Weather conditions
• Natural disaster that renders insured person’s home uninhabitable
• Insured person’s quarantine or hijacking
• Enforceable call to service of an insured person who is a military, police or fire reservist

---

Limitations & Exclusions

• Pre-existing and reasonably foreseeable medical conditions
• Interruption occurring outside the coverage period
• Charges that become non-refundable after the cause for interruption occurs
• Interruption of a trip for any reason other than those listed above
• Frequent flyer plan points (No benefit is payable in connection with TD Points since they have no monetary value)
• Unused return travel

In addition, no benefits will be payable for trip interruption in connection with or resulting from pregnancy, alcohol/drug abuse, intentionally inflicted injuries, crime, war/terrorism, mental problems, or the participation in professional sports, organized racing, speed contests, or any other hazardous activities.

---

How to Make a Claim

Call 1-866-374-1129 (Canada or US) immediately to obtain a claim form. Some expenses including all transportation costs are only covered if they’re pre-approved by TD. Only non-refundable expenses are eligible for reimbursement, so make sure to call within 1 day.

You will be required to submit a completed claim form along with:

• Your original invoice, tickets, vouchers and itinerary
• An account statement confirming that the eligible expenses were charged in full to your card or using your TD Points
• Proof that interruption resulted from a covered cause for interruption
• Signed “Release of Medical Information” authorization allowing TD Life to obtain further information in the case of a medical cause for interruption
• Evidence of your actual or planned departure date

Note: All relevant claims forms along with written proof of loss must be submitted no later than 1 year from the date on which the loss occurred.

Travel Medical Emergency

In the event of a medical emergency taking place during a trip outside of your home province, you will be covered for any medical expenses incurred.

You will be covered up to $1,000,000:

• If you are under 65, you're covered for 21 days
• If you are 65 or older, you're covered for 4 days

---

Eligibility

In order to receive benefits under this insurance you must:

• Be a resident of Canada
• Be covered by GHIP (Government Health Insurance Plan)
• Have your credit card account in good standing (if you’re the primary cardholder)
• Be the spouse or dependent child of, or be otherwise authorized by, the primary cardholder

Note: A dependent child must be travelling either with you or your spouse in order to be eligible.

If an insured person has a medical emergency at the end of the trip’s coverage period, then coverage is automatically extended by 3 days.

---

Coverage Benefits

• Hospital accommodation
• Physicians’ bills
• Private duty nursing (up to $5,000)
• Diagnostic services
• Ambulance and Air Ambulance (if deemed necessary)
• Prescriptions (excludes vitamins and patent/experimental drugs)
• Accidental Dental (up to $2,000) (emergency relief of dental pain covered up to $200)
• Medical Appliances
• Return Airfare
• Transportation to Bedside (for a spouse, parent, child or sibling of the insured person if he or she is expected to remain hospitalized for at least 3 days)
• Travelling Companion Benefit (one-way return airfare for a travelling companion required to stay beyond his or her scheduled return date because of a medical emergency suffered by an insured person)
• Bedside Companion Benefit for food and accommodation (up to $150 per day, for a max of $1,500)
• Vehicle Return (up to $1,000)
• Return of Deceased (up to $5,000)

---

Limitations & Exclusions

• Failure to report a medical emergency to TD Life within 48 hours of admission to a hospital, or as soon as reasonably possible, will reduce the maximum payable benefit for otherwise eligible medical expenses to 80% of the total, for a max of $30,000
• No benefit will be paid for any surgery or invasive procedure that has not been approved in advance by TD Life, except in extreme circumstances
• No benefit will be payable with respect to non-emergency, experimental or elective services
• The benefits payable will be the actual cost of the covered expense minus the amount reimbursable through GHIP and any other insurance/health plan coverage
• No benefit will be payable for treatment, services or expenses in connection with misrepresentation, pregnancy, failure to take medication, alcohol/drug abuse, intentionally inflicted injuries, crime, war/terrorism, mental problems, or the participation in professional sports, organized racing, speed contests, or any other hazardous activities

---

How to Make a Claim

• Call 1-866-374-1129 (Canada or US) immediately in the event of a medical emergency, or as soon as is reasonably possible
• A TD Life administrator will verify whether your coverage is in effect and will direct you to the nearest appropriate medical facility
• The administrator will pay the provider of medical services wherever possible (if a direct guarantee or payment is not possible, you may be required to pay for the services yourself, and get reimbursed for them once your claim is submitted)

If you do not report the claim immediately:

• You must first submit receipts and other proof to GHIP and to any other health plans or insurers
• Any eligible medical expenses that are not covered by GHIP or other plans should be submitted with proof of claim, receipts and payment statements (Call same number above to obtain claims forms)

If you do report the claim immediately:

• You must sign an authorization form allowing TD Life to recover charges from your GHIP and any other health plans or insurance
• If payment is made in advance for expenses that are later deemed to be ineligible, you must reimburse TD Life

Note: In either case you must provide evidence of your actual date of departure from your home province.

All relevant claims forms along with written proof of loss must be submitted no later than 1 year from the date on which the loss occurred.

Lost Baggage Insurance

In the event that your checked baggage, or that of your spouse or dependent child, is permanently lost while in the custody of the common carrier, you will be reimbursed up to a maximum of $1,000 for the cost of the replacement of lost personal property that is not paid by the common carrier or other insurance.

Note: The ticket must be paid for in full using your TD First Class Travel Visa Infinite Credit Card and/or your TD Points in order for coverage to be activated. Coverage is in force while baggage is in the custody of the common carrier.

---

Exclusions

No coverage is provided for:

• Losses caused by or resulting from any criminal act by the insured person
• Baggage that was not checked
• Baggage held, seized, quarantined or destroyed by customs or a government agency
• Money, securities, tickets, documents, credit cards and other negotiable instruments

---

How to Make a Claim

Call 1-800-667-8031 (Canada and US) within 45 days from the date the loss occurs. You will be asked to provide your name, address, telephone number, account number, the date, time and place of the loss, as well as the amount of the claim.

You will be mailed a loss report that you should complete and return to TD within 90 days.

It should include:

• A copy of the ticket and of the baggage claim ticket
• A copy of your credit card statement verifying that the ticket was paid for using your TD First Class Travel Visa Infinite card
• A copy of a statement from other insurers indicating the extent to which you have been reimbursed for any items that were permanently lost
• A written statement from the common carrier confirming the date and time of the loss, and the circumstances surrounding the loss

Delayed Baggage Insurance

If your checked baggage, or that of your spouse or dependent child, is delayed by more than six hours from the time of your arrival at your final destination, you will be reimbursed up to a maximum of $1,000 for the cost of replacing essential items until your baggage arrives.

Essential items must be purchased before your checked baggage is returned and no later than 96 hours after you’ve arrived.

Note: The ticket must be paid for in full using your TD First Class Travel Visa Infinite Credit Card and/or your TD Points in order for coverage to be activated. Coverage is in force while baggage is in the custody of the common carrier.

---

Exclusions

No coverage is provided for:

• Losses occurring when the checked baggage is delayed on your return home
• Expenses incurred more than 96 hours after arriving at the final destination
• Expenses incurred after your checked baggage is returned to you
• Losses caused by or resulting from any criminal act by the insured person
• Baggage that was not checked
• Baggage held, seized, quarantined or destroyed by customs or a government agency
• Money, securities, tickets, documents, credit cards and other negotiable instruments

---

How to Make a Claim

Call 1-800-667-8031 (Canada and US) within 45 days from the date the delay occurs. You will be asked to provide your name, address, telephone number, account number, the date, time and place of the delay, as well as the amount of the claim.

You will be mailed a loss report that you should complete and return to TD within 90 days.

It should include:

• A copy of the ticket and of the baggage claim ticket
• A copy of your credit card statement verifying that the ticket was paid for using your TD First Class Travel Visa Infinite card
• Itemized receipts for actual expenses incurred for essential items
• A written statement from the common carrier confirming the date and time of the delay, the date and time the baggage was returned, and the reason of the delay